{"schema_version":"secwatch.filing_event.v1","accession":"0001206774-25-000242","form_type":"8-K","ticker":"SFST","cik":"0001090009","company_name":"SOUTHERN FIRST BANCSHARES INC","filed_at":"2025-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.478677+00:00","generated_at":"2026-05-23T08:59:29.937559+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Southern First Q1 net income $5.3M ($0.65 EPS) up 109% YoY; NIM expands to 2.41%","bullets":["Net income of $5.3M, diluted EPS $0.65, up 108.8% vs Q1 2024 EPS of $0.31.","Net interest margin (tax-equivalent) 2.41%, up 47 bps from 1.94% a year ago.","Total loans $3.68B, up 6% annualized QoQ; core deposits $2.82B, up 23% annualized QoQ.","Nonperforming assets / total assets 0.26%; allowance for credit losses 1.10% of loans.","Book value per common share $41.33, up 6.9% from $38.65 a year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0001206774-25-000242","json":"https://secwatch.observer/filing/0001206774-25-000242.json","markdown":"https://secwatch.observer/filing/0001206774-25-000242.md","text":"https://secwatch.observer/filing/0001206774-25-000242.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1090009/000120677425000242/0001206774-25-000242-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1090009/000120677425000242/sfst4472061-8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T08:59:29.937559+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}